$599,000
Panama City, FL 32404
MLS# 792414
4 beds | 5 baths | 2525 sqft
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Property Description
NOW PRICED BELOW APPRAISED VALUE! **Construction Complete** 1% lender credit with preferred lender to buy down rate or prepaids and closing costs! Discover your dream home located on Callaway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offers the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. NO HOA & NO FLOOD INSURANCE REQUIRED! Prime location near Tyndall AFB. Notable features include 2x6 construction, spray foam insulation, 5 ton HVAC, hurricane impact windows, and fortified roof.
Details
Maps
Contract Info
List Price/SqFt: 237.23
Status: Active
List Date: 2026-07-09
List Price: $599,000
Current Price: $599,000
Location
Sub Area: 0202 - Bay - Central SE
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Elementary School: Callaway
Middle School: Rutherford Middle
High School: Rutherford
Directions: From US-98/Emerald Coast Pkwy turn onto FL-22 E, turn right onto Hugh Thomas Dr., property will be on the right.
Area: 02 - Bay County - Central
Street #: 285
Street Name: Hugh Thomas
Street Suffix: Drive
State: FL
Zip Code: 32404
County: Bay
Subdivision: Callaway
Parcel ID: 06641-995-210
Legal Description: GRIMES CALLAWAY BAYOU ESTS UNIT #6 146C LOT 17 BLK E ORB 4655 P 72
General Property Info
Acreage: 0.44
Design: Florida Cottage
Lot Size (SqFt): 19166
Apx SqFt(Htd/Cooled): 2525
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Prop App Site
Half Baths: 1
# of Stories in Building: 1
Lot Dimensions: 97 x 199
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 3
Driveway Spaces: 4
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 4
Full Baths: 4
Total Baths: 5
Year Built: 2024
Listing Info, Tax and Legal
Homestead: No
HOA Fee: No
New Buyer Fee: No
Last Taxes: 5648.08
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: NOW PRICED BELOW APPRAISED VALUE! **Construction Complete** 1% lender credit with preferred lender to buy down rate or prepaids and closing costs! Discover your dream home located on Callaway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offers the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. NO HOA & NO FLOOD INSURANCE REQUIRED! Prime location near Tyndall AFB. Notable features include 2x6 construction, spray foam insulation, 5 ton HVAC, hurricane impact windows, and fortified roof.
Appliances
Cooktop - Electric: 1
Dishwasher: 1
Disposal: 1
Microwave: 1
Refrigerator: 1
Water Heater - Electric: 1
Interior Features
Breakfast Bar: 1
Ceiling - Raised: 1
Ceiling - Vaulted: 1
Floor - Vinyl: 1
Lighting - Recessed: 1
Window - Treatment All: 1
Construction/Siding
Foundation - Slab on Grade: 1
Roof - Dimensional Shg: 1
Siding - Vinyl: 1
Exterior
Columns: 1
Patio Covered: 1
Sprinkler System: 1
Waterfront Feature
Waterfront Feet: 97
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Kitchen
First: 1
Living Room
First: 1
Lot Features
Interior Lot: 1
Within 1/2 Mile to Water: 1
Lot Access
Paved Road: 1
Parking Features
Garage Attached: 1
Present Zoning
Resid Single Family: 1
Rooms
Bedroom: 1
Kitchen: 1
Living Room: 1
Primary Bedroom: 1
Utilities
Electricity - Connected: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Waterview
Bayou: 1
Waterfront Type
Bayou w/ Gulf Access: 1
Primary Bedroom
First: 1
Bedroom
First: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Primary Bdrm/Primary Bath
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBed Walk-in Closet: 1
MBed Waterfront: 1
Security Features
Smoke Detector(s): 1
Property Features
Appliances: Cooktop - Electric; Dishwasher; Disposal; Microwave; Refrigerator; Water Heater - Electric
Primary Bedroom: First
Bedroom: First
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric
Exterior: Columns; Patio Covered; Sprinkler System
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Kitchen: First
Living Room: First
Lot Features: Interior Lot; Within 1/2 Mile to Water
Lot Access: Paved Road
Security Features: Smoke Detector(s)
Parking Features: Garage Attached
Rooms: Bedroom; Kitchen; Living Room; Primary Bedroom
Utilities: Electricity - Connected; Public Sewer - Connected; Public Water - Connected
Waterfront Type: Bayou w/ Gulf Access
Waterview: Bayou
Present Zoning: Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width |
| Living Room | First | 22 x 11 | 22.00 | 11.00 |
| Kitchen | First | 22 x 11 | 22.00 | 11.00 |
| Primary Bedroom | First | 18 x 16 | 18.00 | 16.00 |
| Bedroom | First | 14 x 15 | 14.00 | 15.00 |
| Bedroom | First | 14 x 15 | 14.00 | 15.00 |
| Bedroom | First | 15 x 15 | 15.00 | 15.00 |
Listing Office: EXP Realty LLC
Last Updated: July - 09 - 2026
Information deemed reliable but not guaranteed.